If you don’t already have an emergency fund put away, I urge you to do it as soon as you can. You never know when you’ll need an extra hundred dollars or so. Speeding tickets, doctor visits, car repairs, surprise fees- anything can (and will) spring up. Most experts recommend opening a separate savings account strictly for emergencies and keeping at least $1,000 in it. For tips on how to start up your own emergency fund, check out this post by Kristina at Cents and Order:
-Consider keeping your emergency fund at a different bank so you’re less likely to access it.
-Use a liquid account so you are not charged penalties to access it quickly.
-However, if having a penalty attached to the account is a deterrent from spending your emergency fund, then a certificate of deposit or time savings account may work better for you.








